Does CHASE have the memory of an elephant like AMEX?

[BBYGRL]

I paid off a judgement with CHASE about 5 years ago. Does anyone know if they will allow me back in their good graces if I applied for a new card?

[Anonymous]

If your scores are FICOs, you seem to be a good boy/girl recently. Of course, their computer memory is there for ever, but everybody makes mistakes. It looks like you have proven that you will be a valuable customer in the future.

[BBYGRL]

I learned my lesson. I hope they're as forgiving as Discover.

BTW - My scores are FICOs.

Message Edited by BBYGRL on 09-10-2008 02:41 PM

[nicemann]

No, I had a charge off about 7 years ago, and they allowed me another CC with a 3K CL.  They even asked me why I allowed the 2K to be charged off, so yes they will remember but they are willing to give second chances.

[nicemann]

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BBYGRL wrote:

I learned my lesson. I hope they're as forgiving as Discover.

BTW - My scores are FICOs.

Message Edited by BBYGRL on 09-10-2008 02:41 PM

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Did you pay off Discover?  I had a charge off with them over seven years ago and have been scared to apply.  I heard they are strict on getting approvals.

[treski]

Discover is forgiving?  Gosh I hope so.

But your scores seem to high for me to ever reach.  Ugh.

[Anonymous]

Chase is cool.
I had a chargeoff like 7 years ago but after it dropped they gave me a card for $5000 and $14000 on a business card.

[BBYGRL]

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nicemann wrote:

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BBYGRL wrote:

I learned my lesson. I hope they're as forgiving as Discover.

BTW - My scores are FICOs.

Message Edited by BBYGRL on 09-10-2008 02:41 PM

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Did you pay off Discover?  I had a charge off with them over seven years ago and have been scared to apply.  I heard they are strict on getting approvals.

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Discover closed my account. I was allowed to make payments to avoid a charge-off. I had to apply for a new card.

Yes - I paid it off 6 months before I was approved for a More card.

Message Edited by BBYGRL on 09-11-2008 09:02 AM

[BBYGRL]

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treski wrote:

Discover is forgiving?  Gosh I hope so.

But your scores seem to high for me to ever reach.  Ugh.

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My scores haven't always been this high.  It's taken a lot of GW letters, disputes and old negs to fall off in the last two years.

You can reach my scores. I was at 635 in '06. With patience, persistance and being responsible with your current cards, you will reach your goals. Good luck! 

Message Edited by BBYGRL on 09-11-2008 08:58 AM

[BBYGRL]

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EddieX wrote:
Chase is cool.
I had a chargeoff like 7 years ago but after it dropped they gave me a card for $5000 and $14000 on a business card.

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That"s encouraging although this account won't fall off my reports for a few more years.

Message Edited by BBYGRL on 09-11-2008 09:00 AM